soft copy available on post 1. just fill it with adobe reader and send it to the email above. more efficient i guess. i sent the hardcopy twice to their hq but nothing done.

what did the T&Cs state? did you read it?

campaign ended 30 Sep doesnt mean the list will be out also.

all banks charge this. just either high or low only.

each bank has its own T&Cs governing credit cards.

for HLB, read here.